For 100 years i Postal fruits vouchersThe forms of savings and investment most loved by Italians despite the numerous alternatives on the financial market. The reason for this success is certainly the security they offer. They are in fact guaranteed by the Italian state for which they are seen as a safe harbor in which to deposit their savings. In addition, they are simple to sign as it is possible to carry out this operation by going to a post office or directly online. Which are therefore the Best vouchers postal fruits of July 2025?
Which postal fruits to choose in July 2025?
Postal vouchers, as explained, are among the favorite products by Italians because they are zero risk. In fact, they are guaranteed by the Italian State, issued by Cassa Depositi e Prestiti and placed on the market by the Italian Post Office.
These securities can be coefed to multiple subjects as long as the number is not more than four and give the possibility of obtaining a disjointed reimbursement for each holder. This option can also be excluded but it is necessary to do it at the time of subscription.
Furthermore, coniteration between adults and minors are not allowed as well as among minors.
Having said that, i Best BFP of July 2025 are:
- those dedicated to minors;
- the good 100;
- the 3×4;
- The ordinary vouchers.
Postal fruits dedicated to minors
Among the best postal fruits of July 2025 there are those dedicated to minors who can be signed by parents, grandparents, relatives, friends as long as they are of age.
These securities can be purchased for amounts equal to 50 euros or multiple of this figure both in paper and dematerialized form. In the latter case, the minor must have a postal savings book as it will act as an account account account. The latter must obviously have the same header as the voucher. To purchase the title, the tax code or the minor’s health card (also in photocopy) and one of these documents will be needed: one of these documents:
- the identity card/passport;
- the birth certificate.
The adult person who buys the vouchers must instead present the health card or the tax code and also one chosen from the following documents:
- Identity card or one of a country of the European Union;
- the Italian driving license;
- the Italian passport or a country of the European Union;
- The non -community passport together with a sworn translation if it is drawn up in a language other than the English one.
Finally, this type of titles can be purchased up to the sixteen and a half years of the minor and the interests will mature until its age. Here are i Interest rates annual gross updated to 24 June 2025:
- 2% after 1 year and 6 months-2-3-4 years;
- 2.25% after 5-6 years;
- 2.50% after 7-8-9-10-11-13-14 years;
- 3% after 15-16 years;
- 5% after 17-18 years.
Here is an example:
Suppose to invest 7,000 euros in a voucher dedicated to a minor born on 7 July 2025. The net value at the expiry of the title, according to the calculator made available by Poste Italiane, will be 15,496.16 euros without considering the stamp duty which will be calculated on the basis of current legislation. This title will expire on 7 July 2043.
Good 100
Recently, Poste Italiane has launched a new postal voucher whose name is 100. It is a title dedicated to those who are the owner of a smart or ordinary booklet and brings new liquidity. For the latter, we mean all the sums paid starting from 20 June until 4 September 2025 unless early closing on postal savings booklets or BancoPosta current accounts. The figure, then, can be transferred to the smart booklet to buy the voucher only via Girofondo.
The gross annual performance at the expiry of this title is of 3% At the end of the four years but it is possible to ask for a refund even before this time span. In the latter case, however, interest will not be paid and the refund will be equal to the nominal value net of any tax charges.
Here is an example of performance:
Suppose we want to buy a 100 good on 7 July 2025 In the calculation, however, stamp duty is not included which will calculate according to current legislation. This title will then expire on July 7, 2029 and will be prescribed on July 8, 2039.
Postal vouchers 3×4
There are also i 3×4 postal fruits vouchers Among the best in July 2025. They last, as can be seen from the name, 12 years old and offer the following gross -annual yields:
- 1% at the end of the 3 years;
- 1.50% at the end of the 6 years;
- 2.25% at the end of the 9 years;
- 3% at the end of the 12 years.
Also for these securities it is possible to ask for total or partial reimbursement within the prescription term. Before 3 years from the purchase, however, there is no right to recognize the interest accrued.
Here is an example of performance:
Suppose we want to set aside 7,000 euros in the 3×4 BFP. From the calculator made available by Poste Italiane it is clear that the net reimbursement to the deadline will be 9,607.79 euros but in the calculation it has not been considered the stamp duty which will be calculated according to the current legislation. This title will expire on July 7, 2037 and will be prescribed on July 8, 2047.
Ordinary vouchers
We conclude our roundup of the best BFP in July with the ordinary ones. These are titles that last 20 years and which interests are recognized starting from the end of the first year. The gross annual rates are the following following the update of June 24, 2025:
- 0.75% is perceived after 1-2-3-4 years;
- 0.90% at the end of the 5th year;
- 1.04% after 6 years;
- 1.14% after 7 years;
- 1.25% at the end of the 8th year;
- 1.36% after 9 years;
- 1.47% are perceived after 10 years;
- 1.57% after 11 years;
- 1.64% after 12 years;
- 1.75% after 13 years;
- 1.86% after 14 years;
- 1.97% after 15 years;
- 2.07% at the end of the 16th year;
- 2.18% at the end of the 17th year;
- 2.28% at the end of the 18 years;
- 2.37% at the end of the 19 years;
- 2.50% at the end of 20 years.
Here is an example of performance:
Suppose we want to invest 7,000 euros in ordinary vouchers on 7 July 2025. At the end of the 20 years, according to the analysis of the post -Italian postal calculator, 10,911.54 euros will be obtained. Just as for the other BFP, the stamp duty was not considered in the calculation. These securities will expire on July 7, 2045 and will go into prescription on July 8, 2045. Attention to the latter as if it will occur, the right will be lost both to the reimbursement of the capital invested and interests.
